# INDIANA COMMUNITY BANK
GOSHEN, IN · FDIC certificate 57037 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $86.4M | |
| Deposits | $77.9M | |
| Loans and leases | $71.3M | |
| Total equity | $8.2M | |
| Loans / deposits | 89.15% (p85 of band) | 69.26% |
| Liquid assets / assets | 13.68% (p7 of band) | |
| Uninsured deposits / deposits | 7.93% (p28 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p36 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 8.95% (p25 of band) | 10.29% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -1.01% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | -0.14% (p8 of band) | 0.76% |
| Net interest margin | 4.24% (p81 of band) | 3.63% |
| Efficiency ratio | 103.58% (p93 of band) | |
| Noncurrent loans | 3.73% (p88 of band) | 0.94% |
| Net charge-offs (annualized) | 1.01% (p96 of band) | |
| Reserve coverage of noncurrent | 70.70% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 24.40% (p61 of band) | |
| Auto loans | $48,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -16.0% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | charge-offs p90 |
| 2011-09 | 5 | charge-offs p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 8 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 5 |  | leverage <7%, losing money, expense ratio p90 |
| 2012-09 | 4 |  | charge-offs p90 |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 7 | losing money, expense ratio p90, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 5 |  | losing money, expense ratio p90 |
| 2013-09 | 4 | expense ratio p90 | noncurrent p90, charge-offs p90 |
| 2013-12 | 6 | losing money, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-29 [Unprofitable Indiana community bank hit with consent order - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYnRjWVlNZ1RYR3YtdHdiRHhhRXZTMmwtdDhaSjEtVHUxX2lxWkdLNmJZaE1qNkw4TzVPdGU0N18ybUUzZzh4Smh2V0FfZ0xtN01PcDJYZUtHSTUwX0tKdzYwOWNWLXcwLTIyeENsclE5YWh1Y0pVanV4VUNwYThPa3V5Q1JNdUs4R3Y5Y21iTy1fak1CSkdEUW9B?oc=5) · American Banker
- 2023-11-22 [The Farmers Bank coming to Westfield - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMic0FVX3lxTE4wbGt5Nk5DUEdUakNJY1cxSHc5eGNmT3JjSXRDaGdaYnNIYnE0NlRnQ1QzcndsaldHRFRFcDkyVllobi1rM0JFNWdRU0NfVFE0WWhVblk2cVczSjRoUHBmLXZPbjh4M3RKTGhsR1JiNzFCbFk?oc=5) · The Hamilton County Reporter
- 2025-06-05 [Paul E Ohmart Obituary Jun 5, 2025 - Flanner Buchanan](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9pc0hzQUFQcW9QMFk2b1VQMjJkdG5GdFVqMGp1a0J2dzRQVDFBcnlPR3JDODJFSVI2NG1IUXZTNTUxMmFwU2xfdHVKQzNBaXNvSkJlRjRyVlZIbmFkM01fU1lYSEM?oc=5) · Flanner Buchanan
- 2018-11-03 [Horizon Bank Acquires Salin Bank & Trust in $135.3M Deal - Moody on the Market](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOHEyWFMwSlVQSm5LcWEweTU4dTdqV1FWeGdyVGthOHc0MVVUd1Bhc0tpVWs1ODRBZXlRMG4ta2habzZIM043c3JycnJoQ2VrdlhtNFNDdF9iWnFpZllxZ1NSMjhHZUMxRWVrbVFYbWNLdUtiazB4aUNFVTRzZmNNSW5xOGZxb3Q4U3pGMEpDQlg?oc=5) · Moody on the Market
- 2017-04-08 [Bank of Las Vegas being sold to Michigan bank holding company - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUkUtWGRnci1fY09wTTdPcGhqTFhpZzM3WkJKZ2VIWXNoc3BqMTg4ekJCam04X2RVODJ5VnJDZ2UtOUVuRUpoRVZxNWstUU9BSmRpMm9sOHdkUUR4OGtjUDFZUm1aUGEyVDhQNTBTWnhTWXJEX0VWVUF6cVpRZXdfUnQyaFppeFFha2hqc0xlWDVmYVBZcEIyNUZLMVlxcDgtNWpZ?oc=5) · Las Vegas Review-Journal
- 2014-01-17 [Billionaire-backed company closes on purchase of Sunrise Bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQUC15UXoyQmVoRFM5UVlrdlJuQ244SDJfZUJjLTBZUVlGXzM4M1NVaVJZZUlnQUlRVklPT0JHWnFaVjhFYVZJdHVTTl82NHoyRnpSZU53dnNfaDBLUjRDSndQODRLeTZKTWlPVkQwOFlJVjN0N0dVSVh1eVJ3cTY1NThIeWFyYzJRbGpOZS1xMUo2c0FwLXBSNlpnYWVLUVk?oc=5) · The Business Journals
- 2022-06-09 [Are wages for bank workers keeping pace with CEO pay? - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcmZlMkNCa2tZTEJVRm8xMW9SeE5zUnp2SEVaU0ktRWtLT3pUNjhjSHRnVE9GYUV5S241bjQtNU02d2NYVnc5dnVQUWVDSGNjVnpRd2FWUWN4SzBYTnVPVXRFWHVHaWRyWHp1anBDOC1YR2VKOXBEbjEzTjY2bDc1VVM4YmJ1eWZETEJNZkV2X2JJUQ?oc=5) · American Banker
- 2014-01-25 [Goshen bank changes name - Goshen News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOd2pEWnljVFJPWDFTUHUxVElWMC0zSUZQVnVTWlpuRGRMZl9rREdieV8zbG44amgzXzYxWkRUU3RKYmZaRk5kNlpvRnFaNlk2Tkc4NDViS3YxMVB0eVMzeDJQMW5ncUd6VVgzZTRpVTZqVzJ2WW51dXRkdG5EYi0yT0V6MGQ3ay1xRUI0SEt3dkFjMEdJdzZVZXpTcHdaN01sSFpKS3JIM2Q4UQ?oc=5) · Goshen News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57037 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "57037", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide